I can't log into the new forum, but just wanted to give a heads up to some who think this coin's face value is meaningful.
The RCM itself is saying the big banks don't have to except these coins at face value or stores or anyone. My understand is the big banks aren't going to accept these coins. You are paying $20 for ~$7.50 in silver. Or you are buying a collector coin. $20 for $20 is a marketing scam! Fair warning.